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Collections Law/Credit Card Debt

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Expert: - 12/9/2010


Question
My mother-in-law recently moved in with us. She has 20,000
dollars in credit card debt that she as not being paying.
She owns nothing. She lives on a small pension and Social
Security 1,100.00 a month. What happens if she continues not
to pay? Is there any possibility that we can be held
responsible for her debt?

Answer
Your mother-in-law is what I would call judgement proof.  She owns nothing and SSI can not be garnished by a debt collector.  Please note that I never advise that someone does not pay their debts.

They can't do anything to you as long as you do not sign to take the debt over. I hope you have found this helpful and that you have a Merry Christmas.

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Volunteer

Ray A Miller

Expertise

I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Experience

I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

Organizations
ACA International

Education/Credentials
Some college ACA Certified Collection Specialist

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